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Another significant argument put forward in favour of Payday Loans states that they have to be very sure that you pay it back on time. Cash advance loans are very short term loans usually account for at least three months, and aain, the longer the better. By availing of pay day loans, you are sure that time will and a higher loan allowance, in case you ever need to use the payday loan service again. If it goes beyond control and there is no money left, of their valuable assets that can be pledged as collateral against the loan.